According to an article about preventing automobile accidents bright teen drivers, the Centers for Disease Control and Prevention reported that motor vehicle crashes are the leading cause of death for U.S. teens – - teen drivers between the ages of 16 and 19 are four times more likely to be fervent in a car crash than older drivers. If you get past this discouraging statistic and allow your teen to obtain their drivers’ license and get behind the wheel of a vehicle, you must first gather auto insurance for your teen driver. Auto insurance for teens is probably the most costly form of insurance that you will ever purchase; however, taking the time to search for the best auto insurance for teenagers will help reduce the cost to you.

Auto insurance for your teen driver will be expensive but there are steps you can take to slash the cost of teen automobile insurance. One way to decrease the cost of automobile insurance for teenagers is not popular with most teens – - choosing a vehicle that is not a sports car, not a brand new vehicle, does not contain a powerful engine and does not have a sound system that would make an Imax theater jealous. In addition to age and driving history, automobile insurance companies occupy into consideration the vehicle that the driver will be using when quoting rates. As with adults, the vehicle can affect the insurance rate and teens are infamous for wanting fast, loud vehicles, which also are a ample distraction for them when driving. Even though it may not be popular with your teen driver, decide a modest, family vehicle for their first car. This will not only lower your automobile insurance (it will collected be high) but it could also reduce their risk for an auto accident.

In addition to choosing a vehicle, comparison shopping for auto insurance for teenagers is mandatory to get the best teen auto insurance at the lowest rate. Inaugurate with your modern automobile insurance provider and obtain a quote for adding your teen to your policy as well as a quote for a separate auto insurance policy for your teen driver. It is best to obtain quotes for both options, as obtaining a separate policy may be a better value than adding your teen to your insurance policy. Do not forget to ask for specials and discounts from your current company for family insurance coverage and long-standing customers. After you have an insurance quote from your current insurance company, contact several insurance companies and obtain teen insurance quotes to compare prices.

Asking for discounts for the following factors when comparison shopping can also effect you money when purchasing auto insurance for teenagers:

1. Taking and passing a Drivers Education Course

2. Good Student Discount – discounts for teen drivers who maintain high grade point averages

3. Passing their driver’s examination with high scores

4. Taking a Defensive Driving Class or Accident Prevention Course

Do not opt to reduce insurance coverage to save money – - it is best to pay the slight increase to have paunchy coverage on your teen driver than to effect a few bucks and risk lowering coverage. For more information on how to protect your teen driver read the information provided at Progressive.com and Nationwide.com about teen drivers.

Sources: Centers for Disease Control and Prevention